4 Findings About Cost-Conscious Consumer Behavior and High-Deductible Health Plans
Written by Helen Adamopoulos | December 20, 2013 - Becker's Hospital Review
People enrolled in consumer-driven and high-deductible health plans are more
likely than those enrolled in traditional health insurance plans to display
various cost-conscious behaviors, according to the 2013 Employee Benefit Research Institute/Greenwald & Associates
Consumer Engagement in Health Care survey.
The survey classified consumer-driven health plan enrollees as
those with a deductible of at least $1,000 for individuals and $2,000 for family
coverage who also have a health savings account or health reimbursement
arrangement. Those enrolled in plans that met the same deductible threshold but
who didn't have or hadn't opened an HSA or HRA were considered high-deductible
plan enrollees. Here are some key findings about the behavior of people enrolled
in these types of plans.
1. Among privately insured adults aged 21 to 64 who received health benefits
during the past year, 57 percent of those enrolled in consumer-driven plans and
49 percent of those enrolled in high-deductible plans checked whether their plan
would cover care, compared with 39 percent of those in traditional plans.
2. Fifty percent of those with consumer-driven plans and 47 percent of
high-deductible plan enrollees asked for a generic drug instead of a brand-name
drug, compared with 37 percent of people with traditional plans.
3. Twenty-six percent of those with traditional plans reported checking the
price of a service before getting care. Meanwhile, 39 percent of those with
consumer-driven plans and 33 percent of those with high-deductible plans did
so.
4. Thirty-six percent of people with consumer-driven plans and 33 percent of
those with high-deductible plans talked to their physicians about alternative
treatment options and costs, compared with 26 percent of those with traditional
coverage.
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